Fixed Rate Investment Loan
Budget with confidence as your repayments are locked in for the life of your fixed rate period.
Multi-award winning
3 Year Fixed Investor
-
Split with variable rate -
Up to $10,000/yr extra repayment/year
-
90 day rate lock option available*^
-
No monthly or ongoing fees
-
Access your account via Smart Money app
Why choose a Fixed Rate Home Loan?
Lock in your home loan rate
Fix your home loan rate and guarantee your rate won't change from application to settlement.
Budget with confidence
Managing your money is easier with the same rate and repayments locked in for up to 5 years.
Multiple repayment options
Weekly, fortnightly or monthly repayment options available including five years interest-only.
Zero monthly or ongoing fees
You won't pay any monthly or ongoing fees on your fixed rate home loan.
A fixed rate home loan that gives you budget confidence
Here’s your new offer
Home Loan Rates
Principal & interest
Interest Rate:
Comparison Rate:
Max LVR:
1 Year Fixed Investor
6.74% p.a.*+
6.60% p.a.*
90%
2 Year Fixed Investor
6.54% p.a.*+
6.58% p.a.*
90%
3 Year Fixed Investor
6.44% p.a.*+
6.55% p.a.*
90%
4 Year Fixed Investor
6.64% p.a.*+
6.62% p.a.*
90%
5 Year Fixed Investor
6.59% p.a.*+
6.63% p.a.*
90%
Interest only
Interest Rate:
Comparison Rate:
Max LVR:
1 Year Fixed Investor
7.14% p.a.*+
6.64% p.a.*
80%
2 Year Fixed Investor
6.94% p.a.*+
6.66% p.a.*
80%
3 Year Fixed Investor
6.84% p.a.*+
6.66% p.a.*
80%
4 Year Fixed Investor
7.04% p.a.*+
6.76% p.a.*
80%
5 Year Fixed Investor
6.99% p.a.*+
6.90% p.a.*
80%
Key Features
Up to 30 years loan term
Available for refinance or purchase
Flexible repayment options
Repayments
Frequency
Weekly, monthly or fortnightly
Estimated repayments
$3,141 per month.#
The monthly repayment estimate is based on a $500,000 loan over 30 years at 6.44% p.a. paying principal and interest.
Fees
Application fee
$0
Ongoing fees
$0
Security assessment fee
$230
Government fees
At cost
Settlement fee
$300
Optional rate lock fee
$350*^
P&I
1 Year Fixed Investor
Interest Rate:
6.74% p.a.*+
Comp Rate:
6.60% p.a.*
Max LVR:
90%
2 Year Fixed Investor
Interest Rate:
6.54% p.a.*+
Comp Rate:
6.58% p.a.*
Max LVR:
90%
3 Year Fixed Investor
Interest Rate:
6.44% p.a.*+
Comp Rate:
6.55% p.a.*
Max LVR:
90%
4 Year Fixed Investor
Interest Rate:
6.64% p.a.*+
Comp Rate:
6.62% p.a.*
Max LVR:
90%
5 Year Fixed Investor
Interest Rate:
6.59% p.a.*+
Comp Rate:
6.63% p.a.*
Max LVR:
90%
IO
1 Year Fixed Investor
Interest Rate:
7.14% p.a.*+
Comp Rate:
6.64% p.a.*
Max LVR:
80%
2 Year Fixed Investor
Interest Rate:
6.94% p.a.*+
Comp Rate:
6.66% p.a.*
Max LVR:
80%
3 Year Fixed Investor
Interest Rate:
6.84% p.a.*+
Comp Rate:
6.66% p.a.*
Max LVR:
80%
4 Year Fixed Investor
Interest Rate:
7.04% p.a.*+
Comp Rate:
6.76% p.a.*
Max LVR:
80%
5 Year Fixed Investor
Interest Rate:
6.99% p.a.*+
Comp Rate:
6.90% p.a.*
Max LVR:
80%
Up to 30 years loan term
Available for refinance or purchase
Flexible repayment options
Frequency
Weekly, monthly or fortnightly
Estimated repayments
$3,141 per month.#
The monthly repayment estimate is based on a $500,000 loan over 30 years at 6.44% p.a. paying principal and interest.
Application fee
$0
Ongoing fees
$0
Security assessment fee
$230
Government fees
At cost
Settlement fee
$300
Optional rate lock fee
$350*^
Download the Key Facts Sheet
Our home loan products are recognised & awarded by the Australian financial industry
| Home Loan Rates |
|
| Key Features | Up to 30 years loan term |
|
| Available for refinance or purchase |
|
|
| Flexible repayment options |
|
| Repayments | Frequency | Weekly, monthly or fortnightly |
| Estimated repayments | $3,141 per month.# The monthly repayment estimate is based on a $500,000 loan over 30 years at 6.44% p.a. paying principal and interest. |
| Fees | Application fee | $0 |
| Ongoing fees | $0 | |
| Security assessment fee | $230 | |
| Government fees | At cost | |
| Settlement fee | $300 | |
| Optional rate lock fee | $350*^ |
P&I |
|||
| 1 Year Fixed Investor | Interest Rate: 6.74% p.a.*+ |
| Comp Rate: 6.60% p.a.* | |
| Max LVR: 90% |
| 2 Year Fixed Investor | Interest Rate: 6.54% p.a.*+ |
| Comp Rate: 6.58% p.a.* | |
| Max LVR: 90% |
| 3 Year Fixed Investor | Interest Rate: 6.44% p.a.*+ |
| Comp Rate: 6.55% p.a.* | |
| Max LVR: 90% |
| 4 Year Fixed Investor | Interest Rate: 6.64% p.a.*+ |
| Comp Rate: 6.62% p.a.* | |
| Max LVR: 90% |
| 5 Year Fixed Investor | Interest Rate: 6.59% p.a.*+ |
| Comp Rate: 6.63% p.a.* | |
| Max LVR: 90% |
IO |
|||
| 1 Year Fixed Investor | Interest Rate: 7.14% p.a.*+ |
| Comp Rate: 6.64% p.a.* | |
| Max LVR: 80% |
| 2 Year Fixed Investor | Interest Rate: 6.94% p.a.*+ |
| Comp Rate: 6.66% p.a.* | |
| Max LVR: 80% |
| 3 Year Fixed Investor | Interest Rate: 6.84% p.a.*+ |
| Comp Rate: 6.66% p.a.* | |
| Max LVR: 80% |
| 4 Year Fixed Investor | Interest Rate: 7.04% p.a.*+ |
| Comp Rate: 6.76% p.a.* | |
| Max LVR: 80% |
| 5 Year Fixed Investor | Interest Rate: 6.99% p.a.*+ |
| Comp Rate: 6.90% p.a.* | |
| Max LVR: 80% |
| Up to 30 years loan term |
|
| Available for refinance or purchase |
|
| Flexible repayment options |
|
| Frequency | Weekly, monthly or fortnightly |
| Estimated repayments | $3,141 per month.# The monthly repayment estimate is based on a $500,000 loan over 30 years at 6.44% p.a. paying principal and interest. |
| Application fee | $0 |
| Ongoing fees | $0 |
| Security assessment fee | $230 |
| Government fees | At cost |
| Settlement fee | $300 |
| Optional rate lock fee | $350*^ |
Download the Key Facts Sheet
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Home loan customers
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Frequently asked questions
Konnie
Lending Specialist
Real humans based in Brisbane, Australia
As an experienced lending specialist, Konnie and our team can answer all your questions to get you on track and start saving thousands.
Choosing the best home loan for refinancing
Home refinance loans are not a one-size-fits-all solution. When looking for the best home loans for refinancing, make sure your refinance options have the following.
Should you refinance your investment loan?
Like any investment strategy, you need to consider all the potential risks involved. There’s a right time and place for refinancing your investment loan. Before you delve right in, you need to review your investment carefully.
Can refinancing your home loan save money?
Refinance your home loan to save money with lower rates, flexible repayments, and faster loan terms. Explore options like switching loan types or adding an offset account.
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